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The Intersection : J.M. Wilson Blog

5 Ways to Kick Start Your Creativity

Posted by Kristin O'Leary on Aug 23, 2016 9:30:00 AM


Creativity in the workplace is essential, but too often we become comfortable with our daily routine.  We must continue to evolve and continue to question ourselves. 

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Topics: creativity, new ideas, innovation

Does your insured have all the coverage they need?

Posted by James Reincke, AU, AIS on Aug 16, 2016 11:30:00 AM


We’ve all heard stories of frustrated individuals suing; from medical procedures gone wrong, overlooked mistakes on the job site to financial advice gone awry.  So, what happens when an individual doesn’t just sue the business, but also the professional who assisted, advised or treated them? A company can protect its employees from legal discourse by providing professional liability coverage.

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Topics: insurance, Professional / E&O, insurance coverage, professional liability, professionals

Professional Liability, E&O, Malpractice – What’s the Difference?

Posted by James Reincke, AU, AIS on Aug 9, 2016 9:30:00 AM

No matter how cautious, everyone makes mistakes at some point in their career. From typos to missing a deadline, we’ve all had a slip-up in the office; however, not all professions can bounce back as quickly after making a mistake. Many have high stakes when it comes to performing their job. Forgetting an aspect of a routine task is much different for a doctor, attorney or consultant. When looking at different coverages for a professional there are a few options; professional liability, errors & omissions and malpractice. For the insured it can be overwhelming and have them asking, “What’s the difference?”

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Topics: insurance, Professional / E&O, malpractice, professional liability


Posted by Erin Dey on Aug 2, 2016 9:00:00 AM

Okay, so that’s not a real number so please don’t call it, but DO call your underwriter at JM Wilson because we have the ability to phone quote!

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Topics: insurance, phone quoting, general liability

Pokémon Go: When Catches Lead to Claims

Posted by Alyssa Salman on Jul 26, 2016 9:30:00 AM

Pokémon Go - the latest phenomenon in the world of smart phone apps - has officially blended the virtual world with reality ...and the consequences of this fusion are causing quite a commotion in the insurance industry. 

In less than one week, this wildly popular game already had roughly 15 million users from 27 countries around the globe. That's more users than Twitter has seen in their lifetime! So, what's the problem? Pokémon Go players aren't paying attention - to anything. As more users start joining-in on the fun, accidents are happening due to lack of awareness and direction. These aren't minor accidents either - people are walking off of cliffs, falling out of trees, getting hit by cars, the list goes on. Take these for example:

One Pennsylvania player was hit by a car while following her Pokémon map across a busy highway. The girl is now hospitalized with a broken collarbone and foot, as well as many bumps and bruises. Another incident consisted of an Alabama man wandering for augmented Pokémon outside of a vacant building. He was attacked and robbed at gunpoint. Various state police have put out press releases warning gamers to be careful where they hunt for these creatures since it encourages wandering and unawareness of surroundings. 

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Topics: insurance, coverage, risk, augmented reality, mobile, Pokémon Go, game, app, virtual world

A New Auto Exposure is Brewing!

Posted by Amanda Sharpe on Jul 19, 2016 9:00:00 AM

With its growing popularity, many of us are already aware of brewpub tours and their increasing attraction. For those of you who don't know: most brew tours are held by third-party touring services, driving buses and vehicles that chauffeur visitors to various flavorful stops at popular breweries in their area.

As this attraction grows, the demand for brew tours increases... and so does the demand for public auto coverage on these touring vehicles.

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Topics: commercial transportation, Public Auto, tour, tour vehicle, brewery, brew, brewpub

Let's Talk Cyber: Risk, Breach, and Coverage

Posted by James Reincke, AU, AIS on Jul 12, 2016 9:00:00 AM

"There are two types of companies: Those that have been hacked, and those that will be."
- Former FBI Director, Robert Mueller

With the growth of technology, and the insurance industry evolving in the digital age, cyber liability is plastered over every insurance publication, magazine, website, and billboard. I'm hearing a TON about cyber risks, data breach lawsuits, and news titles announcing the latest security hack, but what I'm not hearing much of is clarity around the whole subject - for the independent agent's side and/or the insured's side. It's time to simplify these commonly used cyber terms, describe coverages, and provide real world examples of data breaches.

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Topics: data breach, cyber security, cyber liability insurance, data security, cyber hack, risk, digital

Turn a Profit with E & S

Posted by Elizabeth Sundburg on Jul 5, 2016 10:30:00 AM

 Independent insurance agents know their stuff and can provide their clients with most coverage that is requested. However, from time to time they are presented with risks that are little out of the ordinary - risks that standard carriers may not be interested in providing coverage for. As an agent, when you're faced with this challenge, what is your next move? Do you turn down the opportunity to earn new business because it's not in your area of expertise, or do you willingly accept the challenge? 

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Topics: insurance, training, Customer Service, excess and surplus insurance, excess and surplus lines, excess & surplus, e & s

3 Reasons Why Your Insured's Health Matters and What They Can Do to Improve It

Posted by Leon Hilaski on Jun 28, 2016 9:30:00 AM

You might not realize it, but as a professional truck driver, your insured faces health challenges many other people do not. Spending up to 11 hours behind a wheel each day can make it hard to stay fit. Driving in traffic can be stressful and exhausting. Healthy meal options can be hard to find. Irregular schedules, customer demands and poor sleeping conditions can make it hard to get enough quality sleep. Over time, these factors can affect their well-being, career and safety. Those are three good reasons why your insured should care about their health and make it a priority.

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Topics: Transportation / Trucking, safety, health, Personal Well-Being, driving

What You Should Know About Fireworks, Safety, and Insurance

Posted by Roxanne Barry, CIC, CISR on Jun 21, 2016 9:00:00 AM

For as long as Americans can remember, on Independence Day, fireworks are painted across the skies above rivers, parks, and rooftop bars, in local town squares, off coastlines, and in our own backyards. The Fourth of July is a day of people coming together in celebration. But, each year, casualty and injury rates increase in the 30-day period surrounding Independence Day. 

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Topics: insurance, safety, special event, fireworks, july 4th, independence day

Disclaimer: This article is for informational purposes only. There is no legal advice being suggested or proffered. The author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information. This article is the opinion of the author and is not supported or endorsed by J.M. Wilson. It should not be relied upon and may contain inaccuracies or content may have changed over time, contact your underwriter for the most current and accurate information. Any comments or responses are the opinions of their authors. Content on this site is believed to be covered under Fair Use.

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